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LINCOLN LIFEGUARANTEE® UL (2012)

Universal Life Insurance with a secondary guarantee

Lincoln LifeGuarantee®UL (2012) is the universal life policy that's guaranteed to be there for your beneficiaries. Guarantees are backed by the claims-paying ability of the appropriate issuing company.

What can Lincoln LifeGuarantee® UL (2012) do for you?

Lets you protect what's most important with a death benefit that can be guaranteed

Offers guaranteed premiums

Can provide you affordable, guaranteed lifetime insurance coverage

Coverage Protection Guarantee

Coverage Protection is provided through the Coverage Protection Guarantee (CPG) as long as the necessary funding levels are achieved to maintain a positive coverage protection value. It runs to the insured's age 121 and helps you protect what's most important to you by guaranteeing that your coverage will be there for life. Here's how:

During the CPG Period, the CPG guarantees that the policy will not lapse even if the cash surrender value is insufficient to cover the monthly deductions. Any changes to the policy such as loans, partial withdrawals, changes in the death benefit, changes in scheduled premiums, and adding riders may terminate the guarantee or reduce its duration. In most cases, policyowners may make additional payments to place the guarantee back into effect, but this will result in increased out-of-pocket costs.

Choice and Flexibility

With Lincoln LifeGuarantee® UL (2012), you can choose how to finance your policy by adjusting:

Additional Options

Accelerated Benefits Rider

The Accelerated Benefits Rider pays out a portion of the death benefit if you were to fall terminally ill or require permanent nursing home care. It may be elected after policy issue. There is a one-time charge for this rider when it is exercised.

Accelerated Benefits Rider with Critical Illness

The Accelerated Benefits Rider with Critical Illness pays out a portion of the death benefit if you were to fall terminally ill, require permanent nursing home care, or need help during a critical illness or condition. There is a one-time charge for this rider when it is exercised. Accelerated death benefits may be taxable and may affect public assistance eligibility. This rider is unavailable in CT, MD and PA.

Accidental Death Benefit Rider

The Accidental Death Benefit Rider, available at an additional cost, can help offset the financial burden by offering an additional amount in the event of a death due to an accident.

Children's Term Rider

With the Children's Term Rider, available at an additional cost, you have the choice of insuring your child under your own policy.

Disability Waiver of Monthly Deductions Benefit Rider

The Disability Waiver of Monthly Deductions Benefit Rider, available at an additional cost, waives the monthly deduction and other charges if you become totally disabled.

Disability Waiver of Specified Premium Rider

The Disability Waiver of Specified Premium Rider, available at an additional cost, covers you for a monthly specified premium if you become totally disabled.

Guaranteed Insurability Rider

The Guaranteed Insurability Rider, available at an additional cost, gives you the ability to increase your death benefit coverage in the future without additional underwriting.

Minimum Death Benefit Endorsement

TheMinimum Death Benefit Endorsement gives you the security of knowing that the beneficiaries will never receive less than the death benefit minus total policy debt (policy loan plus accrued interest) plus $5,000.

Spouse Term Rider

With the Spouse Term Rider, available at an additional cost, you have the choice of insuring your spouse under your own policy.

Lincoln LifeGuarantee® UL(2012) is issued on policy form UL5049 and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company is not authorized, nor does it solicit business in the state of New York. Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company.

In some states, contract terms are set out and coverage may be provided in the form of certificates issued under a group policy issued by The Lincoln Financial Services Industry Group insurance Trust.

Product and features subject to availability. Limitations and exclusions may apply. Not available in New York.

This material was prepared to support the promotion and marketing of universal life insurance products. Lincoln Financial Group affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used for the purpose of avoiding U.S. federal, state, or local tax penalties.Please consult with your own independent advisor as to any tax, accounting, or legal statement made herein.

Not a deposit. Not FDIC-insured.Not insured by any federal government agency.Not guaranteed by any bank or savings association.May go down in value.

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Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.